• HSBC Motor Insurance

    SmartDrive is the 1st motor insurance in Singapore with the provision to customize plans based on individual needs. SmartDrive offers a wide range of protection schemes and affordable plans with additional benefits to include add-ons and packs.

    Discounts and Promotions:

    • Sign up for the AXA Premium Workshop Scheme (AWP) and avail an instant discount of 15% on your premium.
    • This offer is applicable only on the comprehensive cover.

    Types of HSBC Motor Insurance – SmartDrive:

    • SmartDrive Essential – This is a basic protection plan with vital provisions including:
      • Transportation and towing facilities available 24 hours a day on all days.
      • Guaranteed repairs over a 12 month period.
    • SmartDrive Essential Plus – This plan provides all the features of SmartDrive Essential plus the following additional features:
      • Daily transportation allowance.
      • Car protector.
      • Delivery of your repaired vehicle to your location of preference.
    • SmartDrive Flexi – This is another basic protection plan offering flexibility in vital areas including:
      • Your preferred workshop.
      • Flood protection.
      • Dental and medical expenses cover.
    • SmartDrive Flexi Plus - This plan provides all the features of SmartDrive Flexi plus the following additional features:
      • Daily transportation allowance.
      • Car protector.
      • Delivery of your repaired vehicle to your location of preference.
    • SmartDrive Flexi Family – This plan provides full protection for you and your family. Under this plan, you will not only enjoy all the features of SmartDrive Flexi but also benefit from the following:
      • Coverage for Personal Accident.
      • Waiver on excess for Named Young or Inexperienced Driver.
      • Coverage for loss of personal belongings.
    • SmartDrive Peace – This is the most convenient plan inclusive of the complete package of features and benefits under one cover. You will benefit from extended coverage for the following:
      • Transportation and towing facilities available 24 hours a day on all days.
      • Coverage for loss of personal belongings.
      • Flood protection.
      • Delivery of your repaired vehicle to your location of preference.
    • SmartDrive For Her – This plan has been exclusively and specifically customized for women and provides the following extended features:
      • Waiver on excess from the third year.
      • Phone Assistance.
      • Roadside support.

    Note the following:

    • All the aforementioned premiums have been designed to suit individual profiles and vehicles, thereby providing more value with each dollar spent on this motor insurance.
    • In case of total loss on account of severe damage or theft, the coverage under this insurance is provided on the basis of the market value of the car and not the sum insured and reimbursement for the same will be provided accordingly.

    Additional Features and Benefits:

    • Cover for windscreen at no additional cost.
    • Cover for personal accident.
    • Cover for accidental damage to or loss of your car.
    • Passenger risk & liability coverage.
    • Cover for your car in an event of hurricane, flood, earthquake or any other natural disaster.
    • Cover for your car due to damage from riots, strikes or civil commotion.
    • Assistance across Singapore, Thailand and Malaysia 24 hours a day.

    Value Added Packs for Insurance Plans:

    You can enhance your insurance cover with an array of value added packs mentioned below:

    • Overseas Protector – This includes overseas allowance and hotel accommodation among others.
    • Family Protector – This includes monthly allowance and loss of personal belongings among others.
    • Claim Protector – This includes NCD or No Claim Discount Protector and excess waiver among others.

    Add-On Benefits:

    You have the option to choose from the following add-on benefits for your insurance plans:

    • You can protect your NCD or No Claim Discount with the NCD Protector.
    • Roadside Support service.
    • Phone Assistance service.

    Exclusive Benefits:

    The following exclusive benefits are offered under this motor insurance:

    • Reduction in Own Damage Excess for the Named Drivers and the Insured:
      • No excess payable for 50% NCD.
      • Half excess payable for NCD between 0% and 40%.
    • Undeclared inexperienced and young driver excess has been reduced to S$2,500.
    • Accident towing facility available 24 hours a day.
    • Repatriation charges for passengers and the car when driving in peninsular Thailand or West Malaysia. Cost per passenger is S$200 with a cap of S$1,500 for each accident. The repatriation cost for the car in Singapore is S$1,000.
    • Warranty of 9 months on repairs.
    • Personal accident cover of up to S$30,000 for the insured.
    • Maximum S$3,000 cover for theft of or damage to personal belongings and car accessories inside the car involved in the accident within Singapore.

    Applying for HSBC Motor Insurance – SmartDrive

    You can apply for the HSBC Motor Insurance – SmartDrive through the following ways:

    • You can call the bank on the number provided on the SmartDrive web page of the official HSBC Singapore website.
    • You can send an email to the bank. The email address is provided on the SmartDrive web page of the official HSBC Singapore website.
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